Dyersville, IA · Charter 65043
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dyersville, IA · Charter 65043
Q4 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.03% | -0.08% | 0.09% | 0.43% | 0.10% | 0.13% | 0.19% | +10 bps | |
| Return on Equity | -1.55% | -0.29% | -0.76% | 0.83% | 4.03% | 0.88% | 1.21% | 1.71% | +88 bps | |
| Net Interest Margin | 3.35% | 3.31% | 3.09% | 3.25% | 3.45% | 3.60% | 3.57% | 3.54% | +29 bps | |
| Efficiency Ratio | 81.58% | 83.71% | 95.94% | 94.26% | 90.17% | 90.62% | 90.74% | 90.87% | -339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 1.82% | 8.14% | 12.58% | 9.89% | 4.60% | -2.11% | -1.51% | -1,409 bps | |
| Loan Growth (YoY) | 0.76% | 2.09% | 3.75% | 3.59% | -0.41% | 1.40% | 3.48% | 1.66% | -193 bps | |
| Share Growth (YoY) | 6.17% | 2.12% | 8.68% | 14.28% | 11.00% | 5.07% | -2.61% | -1.88% | -1,616 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.61% | 0.62% | 1.02% | 0.89% | 0.50% | 0.51% | 0.81% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.40% | 0.52% | 0.33% | 0.37% | 0.42% | 0.46% | 0.41% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.32% | 11.19% | 10.33% | 10.46% | 10.66% | 10.92% | 10.84% | 10.90% | +44 bps | |
| Net Worth / Assets | 11.32% | 11.19% | 10.33% | 10.46% | 10.66% | 10.92% | 10.84% | 10.90% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.03% | 60.52% | 54.90% | 56.89% | 55.65% | 58.40% | 58.34% | 58.95% | +205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |